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Privacy and Security Policy


FEDERAL PRIVACY DISCLOSURE PLEASE READ CAREFULLY
PNB Remittance Centers Inc. and its authorized agent, XCHANGED LLC are committed to protecting the privacy of our customers.

This Privacy Policy governs the manner in which PNB Remittance Centers Inc. and its authorized agent, XCHANGED LLC collects, uses, maintains and discloses information collected from users (each, a "User") of the www.xchangedremit.com website and mobile app ("Site"). This Privacy Policy applies to the Site, owned and operated by XCHANGED LLC. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.


The following is the privacy policy of PNB Remittance Centers Inc. and its authorized agent, XCHANGED LLC. This Privacy Policy notice may be amended or revised at any time on this website or sent via email to the email address you provided. You should read this Privacy Policy carefully and contact us at the addresses listed below if you have any question.

TYPES OF INFORMATION COLLECTED BY PNB REMITTANCE CENTERS INC. AND XCHANGED LLC
We collect nonpublic personal information about you, our client, from the following sources:

(a) information we receive from you on application or other forms, and

(b) information about your transactions with us, or with our affiliates or others; and

(c) information from others, such as, your employer to verify information that you gave us.


TYPES OF INFORMATION THAT PNB REMITTANCE CENTERS INC. and XCHANGED LLC DISCLOSES
We reserve the right to disclose all of the information that we collect, as described above.

CATEGORIES OF AFFILIATES and THIRD PARTIES THAT RECEIVE INFORMATION FROM PNB REMITTANCE CENTERS INC. and XCHANGED LLC
We reserve the right to disclose all of the information that we collect to our affiliated companies, which may use the information in the same manner as we are permitted.

We reserve the right to disclose information about you to the following types of third parties: (a) financial service providers, such as banks, securities companies and insurance companies, (b) non-financial companies and (c) other companies that may wish to offer the opportunity to consider their products or services. In addition, we also may disclose information about you to nonaffiliated third parties as permitted by law.

Finally, we reserve the right to disclose all of the information we collect about you to persons or companies that we contract with to provide outside services or with whom we engage in joint marketing arrangements. The types of person or companies with whom we may provide information include data processing companies, marketing companies and others. We will include in our contract with these persons or companies a requirement that your information be treated in a confidential manner except as necessary to provide the requested service or to offer the joint marketing opportunity.

DISCLOSURE OF INFORMATION ABOUT FORMER CLIENTS OF PNB REMITTANCE CENTERS INC. and XCHANGED LLC
We reserve the right to disclose all of the information that we collect regarding our former clients. This information may be disclosed to our affiliated companies and to nonaffiliated third parties.

PNB REMITTANCE CENTERS INC. and XCHANGED LLC’s POLICIES and PROCEDURES TO PROTECT THE CONFIDENTIALITY and SECURITY OF YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

NOTICE OF YOUR RIGHT TO OPT-OUT OF THE DISCLOSURE OF INFORMATION
If you prefer that we do not disclose information about you to nonaffiliated third parties, you may “opt-out” of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law) by:

(a) sending an e-mail to us at compliance@pnbrci.com, or

(b) writing us at

    225 W Broadway Suite 301,
    Broadway, Glendale, CA 91204
    ATTN: Compliance Officer.

YOUR ACCEPTANCE OF THESE TERMS
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Note: Your right to limit information we share with affiliated companies is limited by the terms of the FCRA. We may share certain information about you with our corporate family as permitted by law.

PNB Remittance Centers Inc. and XCHANGED LLC collects information from our website and mobile application visitors. These are non-identifiable information to preserve the identity of the visitors. We ensure that we abide by the regulatory requirement on Consumers Protection that covers Customer Privacy and Confidentiality among others.

FAIR CREDIT REPORTING ACT (FCRA) Disclosure
The Fair Credit Report Act – known as the FCRA – governs how certain customer information is shared with our affiliated companies. Unless you notify us in the manner indicated above, PNB Remittance Centers Inc. and XCHANGED LLC may share certain financial information about you with its affiliated companies.

What Information

Unless you tell us not to, PNB Remittance Centers Inc. and XCHANGED LLC reserves the right to share with companies in our corporate family information about you including information we obtain from your application and other forms, such as, your address and telephone number.

Shared with Whom

Companies in PNB Remittance Centers Inc. and XCHANGED LLC’s corporate family that may receive this information are: (a) financial service providers, such as, lenders; and (b) non-financial companies.

How to Tell Us Not to Share this Information with our Corporate Family

As noted above, if you prefer that we not share this information with companies in our corporate family, you may direct us not to share this information by following the notification instructions above.

CALIFORNIA FINANCIAL INFORMATION PRIVACY NOTICE
PNB Remittance Centers, Inc. (“We”, “US”, “Our” or “PNB-RCI”), a California corporation and an affiliate of Philippine National Bank and XCHANGED LLC, a Nevada corporation, complies with California Privacy Policy and Federal Privacy Disclosure in accordance with State and Federal laws and regulations on the confidentiality and protection of non-public personal information of clients or consumers who visit, register or avail of PNB Remittance Centers Inc. and XCHANGED LLC's money remittance services through its website and mobile application.

The following is the privacy policy of PNB Remittance Centers Inc. and XCHANGED LLC. This privacy policy notice may be amended or revised at any time in this website or sent via email to the email address you provided. You should read this privacy policy carefully and contact us at the addresses listed below if you have any question.

Types of Information collected by PNB Remittance Centers Inc. and XCHANGED

We collect non-public personal information about you, our client, from the following sources: (a) information we receive from you on application or other forms; and (b) information about your transactions with us, or with our affiliates or others; and (c) information from others, such as, your employer to verify information that you gave us.

Our Privacy Policy

It is the policy of the PNB Remittance Centers, Inc. and XCHANGED LLC not to share non-public personal information about you with any non-affiliated third parties except as permitted by law. It is also our policy to protect the privacy, integrity and security of the information you share with us. This notice contains important information about the types of personal information that we collect from you and how that information is disclosed.

Information about you that we disclose to our affiliates

We are permitted by law to disclose facts about your experiential information to our affiliates. Experiential information are facts about transactions and experiences on your accounts with us, such as, your name, address, telephone number, account balances, account activity and payment history. Any company that controls, is controlled by, or is under common control by/with PNB is an affiliate.

Information about you that we disclose to non-affiliates

We do not disclose any non-public personal information about our customers and former customers to non-affiliated third parties, except permitted by law.

Policies and Procedures to Protect the Confidentiality and Security of Your Information

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you, process and service your accounts and administer business. Our employees are required to use information responsibly and keep it secured and maintain its confidentiality. Even if you are no longer our customer, we will continue to treat your non-public personal information as if you are still a customer. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Notice of Your Right to Opt-Out of the Disclosure of Information

If you prefer that we do not disclose information about you to affiliated companies, you may “opt-out” of those disclosures, that is, you may direct us not to make those disclosures (other than those necessary to implement your instructions or those disclosures permitted by law) by:

a) sending an email to compliance@PNBRCI.com or

b) writing us at

PNB-RCI,
225 W Broadway Suite 301,
Glendale, CA 91204
ATTN: Compliance Officer

Notice of Your Right to Opt-In of the Disclosure of Information

If you prefer that we disclose information about you to non-affiliated third parties, you may “opt-in” of the disclosure, that is, you may direct us to make those disclosures by:

a) sending an email to compliance@PNBRCI.com or

b) writing us at

PNB-RCI,
225 W Broadway Suite 301,
Glendale, CA 91204
ATTN: Compliance Officer

FCRA Disclosure

The Fair Credit Report Act – known as the FCRA – governs how certain customer information is shared with affiliated companies. Unless you notify us in the manner indicated above, PNB Remittance Centers Inc. and XCHANGED LLC may share certain financial information about you with its affiliated companies.

What Information

Unless you tell us not to, PNB Remittance Centers Inc. and XCHANGED LLC reserves the right to share with affiliated companies information about you including information we obtain from your application and other forms, such as, your address and telephone number.

Shared with Whom

Affiliated companies that may receive this information are: (a) financial service providers, such as, lenders; and (b) non-financial companies.

How to Tell Us Not to Share this Information with our affiliated companies

As stated above, if you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by following the instructions above.

PNB collects information from our website and/or mobile application visitors. These are non-identifiable information to preserve the identity of the visitors. We ensure that we abide by the regulatory requirement on Consumers Protection that covers Customer Privacy and Confidentiality among others.

Plaid Privacy Policy
PNB Remittance Centers Inc. and its authorized agent, Xchanged LLC, uses Plaid Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant PNB Remittance Centers Inc. and its Authorized Agent, Xchanged LLC and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy. Please visit Plaid Privacy Policy at https://plaid.com/legal.


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